Sanitas or Visana in Region 3 of canton Bern?
In Region 3, Visana is CHF 359.40 a year cheaper than Sanitas for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Visana comes down to CHF 465.50 a month, Sanitas to CHF 495.45. The gap is CHF 359.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to Visana is worth CHF 216.00 more a year. Agrisano
Where they stand in the region
Sanitas ranks 11 and Visana ranks 2, out of 26 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Sanitas | Visana | Gap |
|---|---|---|---|
| 300 | CHF 569.50 | CHF 542.50 | + 27.00 |
| 500 | CHF 557.90 | CHF 535.80 | + 22.10 |
| 1'000 | CHF 528.70 | CHF 501.70 | + 27.00 |
| 1'500 | CHF 499.50 | CHF 472.50 | + 27.00 |
| 2'000 | CHF 470.40 | CHF 443.30 | + 27.10 |
| 2'500 | CHF 441.20 | CHF 414.20 | + 27.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Visana |
|---|---|---|
| Family doctor | CHF 495.45 | CHF 487.20 |
| Other model | CHF 512.60 | CHF 473.70 |
| HMO practice | CHF 518.30 | CHF 465.50 |
| Free choice of doctor | CHF 569.50 | CHF 542.50 |
How they moved in this region
Against 2025, Sanitas moves by + 2.0 % and Visana by + 3.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.